Chevy HHR Insurance Rate Quotes in Tulsa

Discount Chevy HHR insuranceIf you want to save the most money, the best way to get cheaper car insurance rates is to make a habit of regularly comparing prices from insurers that insure vehicles in Tulsa.

A key point to remember is to try to compare similar coverage information on each quote request and and to analyze every company you can. This enables a level playing field and the most accurate and complete price analysis.

Smart shoppers know that auto insurance companies don’t want you quoting rates from other companies. Consumers who shop around once a year are highly likely to switch car insurance companies because there is a good chance of finding lower prices. A recent car insurance study discovered that people who routinely compared rates saved about $3,500 over four years compared to people who never shopped around for better prices.

If finding the cheapest price for auto insurance is the reason for your visit, learning how to get price quotes and compare insurance premiums can save money and time.

Best companies for Chevy HHR insurance

The companies in the list below provide quotes in Tulsa, OK. To locate cheap auto insurance in Tulsa, we suggest you visit several of them to get the most affordable price.

Statistics and details

The coverage table displayed next showcases detailed analysis of insurance policy prices for Chevy HHR models. Understanding more about how rates are established can benefit drivers when making smart choices when comparing insurance rates.

Chevrolet HHR Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $276 $368 $588 $34 $176 $1,442 $120
HHR LT $276 $368 $588 $34 $176 $1,442 $120
HHR SS $306 $498 $588 $34 $176 $1,602 $134
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rate information does not factor in specific garaging location which can increase or decrease price quotes noticeably.

Physical damage deductible comparison

One of the most common car insurance questions is at what level do you set your deductibles. The comparisons below can help you understand how much more you’ll pay between high and low deductibles. The first data set uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.

Chevrolet HHR insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $436 $698 $448 $26 $134 $1,767 $147
HHR LT $436 $698 $448 $26 $134 $1,767 $147
HHR SS $486 $946 $448 $26 $134 $2,065 $172
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Chevrolet HHR insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $242 $368 $448 $26 $134 $1,218 $102
HHR LT $242 $368 $448 $26 $134 $1,218 $102
HHR SS $270 $498 $448 $26 $134 $1,376 $115
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rate quotes do not factor in specific Tulsa garaging location which can lower or raise prices substantially.

We can derive from the above data that using a $100 deductible costs approximately $49 more each month or $588 each year than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go at a minimum 18 months between claims, you would most likely save money by going with a higher deductible. Here is an example of how we made this calculation.

Average monthly premium for $100 deductibles: $155
Average monthly premium for $1,000 deductibles (subtract): – $106
Monthly savings from raising deductible: $49
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $49
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

An important thing to remember is that increasing deductibles to save money means you will have to cover more of the damage yourself when you have to file a claim. You must have enough disposable savings in order to pay the higher deductible.

The information below demonstrates how choosing different deductibles and can change Chevy HHR insurance premiums for different age groups. The costs are based on a married female driver, full coverage, and no additional discounts are factored in.

Rate increases following a ticket or accident

The example below illustrates how traffic citations and fender-benders influence Chevy HHR car insurance rates for each different age group. The rates are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.

Chevrolet HHR liability rates compared to full coverage

The information below shows the difference between Chevy HHR auto insurance rates with full physical damage coverage compared to only buying liability only. The information is based on no claims or driving violations, $500 deductibles, drivers are single, and no additional discounts are factored in.

Should you pay for full coverage or liability only?

There is no definitive guideline to eliminate full coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is about 10% or more of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let’s pretend your Chevy HHR replacement cost is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $2,000 after paying your policy deductible. If you are paying in excess of $200 a year for full coverage, the it may be a good time to stop paying for full coverage.

There are a few cases where only buying liability is not advised. If you still have a loan on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not eliminate full coverage.

Save money on Chevy HHR insurance in Tulsa with these discounts

Buying auto insurance is not cheap, but you might already qualify for some discounts to help offset the cost. Certain discounts will be applied when you purchase, but occasionally some discounts must be manually applied before being credited.Save money with discounts

Remember that many deductions do not apply to the entire policy premium. A few only apply to individual premiums such as comprehensive or collision. Despite the fact that it seems like all those discounts means the company will pay you, that’s just not realistic.

The information below illustrates the difference between Chevy HHR car insurance costs with and without discounts. The prices are based on a male driver, no claims or driving violations, Oklahoma state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, safe-driver, marriage, multi-car, and claim-free discounts applied.

Car insurance companies that possibly offer these money-saving discounts possibly include:

When getting free Tulsa car insurance quotes, it’s a good idea to each company which discounts they offer. All car insurance discounts might not be offered on policies in Tulsa. To view insurance companies with discount auto insurance rates in Oklahoma, follow this link.

Find Cheap Auto Insurance with These Tips

The best way to find cheaper auto insurance is to take a look at some of the factors that come into play when calculating the price you pay for auto insurance. If you have a feel for what positively or negatively impacts your premiums, this enables informed choices that will entitle you to better auto insurance rates.

The itemized list below are most of the major factors used by companies to determine premiums.

When should I have guidance from an insurance agent?

A small number of people would prefer to visit with an insurance agent and doing so can bring peace of mind Agents are highly skilled in risk management and will help you if you have claims. An additional benefit of comparing insurance prices online is that you can find cheap car insurance quotes and still choose a local agent.

To find an agent, once you fill out this short form, the quote information is transmitted to companies in Tulsa that give free quotes for your business. You won’t even need to contact an agency because prices are sent directly to your email. If you want to compare prices from a specific insurance company, you would need to search and find their rate quote page and submit a quote form there.

Selecting an insurer should depend on more than just a cheap price. These questions are important to ask:

The following is a list of insurance companies in Tulsa willing to provide rate quotes for Chevy HHR insurance in Tulsa.

4401 S Peoria Ave ATulsa, OK 74105(918) 747-9555View Map

10030 S Mingo Rd bTulsa, OK 74133(918) 459-0456View Map

6111 S Mingo RdTulsa, OK 74133(918) 250-6770View Map

6770 S Sheridan Rd STE ATulsa, OK 74133(918) 994-5400View Map

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After receiving answers to your satisfaction to any questions you have and an acceptable price quote, most likely you have located an insurer that is professional and can properly service your car insurance policy.

Frequent quotes can save

We’ve covered a lot of techniques to shop for Chevy HHR insurance online. The key thing to remember is the more times you quote, the better chance you’ll have of finding low cost Tulsa car insurance quotes. You may even find the lowest premium rates are with the least-expected company. They may have significantly lower prices on certain market segments than their larger competitors like State Farm or Progressive.

There are still a few companies who may not have the ability to get a quote online and these smaller providers provide coverage only through independent agents. Budget-conscious Chevy HHR insurance is available both online as well as from independent agents in Tulsa, and you need to price shop both to get a complete price analysis.

Much more information about insurance in Oklahoma is located at the links below